Free NYDFS NY-Life-Accident-and-Health-Insurance-Agent-Broker Practice Exams Questions 2026 - TheExamsLabs

Start Preparation with the Latest and Real 100% Free New York Certified Insurance Agent/Broker NY-Life-Accident-and-Health-Insurance-Agent-Broker Exam Dumps Questions Practice 2026

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Total 120 Questions | Updated On: May 24, 2026

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Question 1

Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

A : the claim is under $500.

B : the insured is unable to pay an appeal fee.

C : the appeal is filed more than 180 days after the claim denial.

D : the insured has submitted three appeals within the calendar year.

Answer: C

Question 2

Under Workers ' Compensation, injured employees are covered for all of the following losses EXCEPT

A : loss of wages.

B : pain and suffering.

C : medical expenses.

D : occupational illness.

Answer: B

Question 3

An annuity that guarantees a given number of income payments, whether or not the annuitant is alive to receive them, is referred to as

A : a life annuity certain.

B : an assured life annuity.

C : a guaranteed survivor annuity.

D : an Irrevocable endowed annuity.

Answer: A

Question 4

Stranger originated life insurance violates which of the following statutory requirements?

A : Trust ownership.

B : Right of rescission.

C : Insurable interest.

D : Commission sharing.

Answer: C

Question 5

Which of the following products is designed to pay benefits that can provide a stream of retirement income to the purchaser?

A : annuity contract

B : tax-deferred growth

C : variable life insurance

D : modified endowment contract

Answer: A

Page: 1 / 24

Total 120 Questions | Updated On: May 24, 2026

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